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no one in London uses Pay as you go except for tourists. So honestly - you're technically not saving anything.
London also has a system where Zone 1 (Central London) is a lot more expensive than all the other zones. If you stay outside central london during your journey - it's very cheap, but anybody that has to go through or to central pays a lot.
You can get a monthly pass for zone 1/2 and you'll be paying £112 a month. But if you work in zone 2 and live in zone 5 - you can pay £111 a month for a zone 2/5 pass - even though you can be traveling a waaaay longer distance but because you're not going through zone 1, you're saving a lot.
I'd be happy to have people going downtown pay a premium - but I don't think other people would be very happy with that.
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